How long do I have to wait to get an answer on my credit application?

We introduce your file to one of our financial partners who will give us an answer within 24 hours.

Am I required to take out death insurance?

When you borrow with another person and in the event of this person's death, you would not be able to pay the loan alone, you are strongly advised to take out death insurance in your own interest. In certain cases, the financial partner makes the granting of credit conditional on the conclusion of credit insurance.

I am a foreign national. Can I get a loan from CPE?

Of course. A large majority of our customers are not Belgian.

What is an authentic act?

This is an act generally drawn up by a notary or in certain cases a bailiff. An authentic act is enforceable against third parties, that is to say that third parties or people who are not parties to the agreement cannot question the existence of the act. To take out a loan/mortgage credit, you must necessarily go before a notary because the deed of sale and the loan/mortgage credit contract are notarial acts.

Is it possible to prepay?

Yes, this is a right inherent in any type of loan.

I cannot complete my online credit application. What can I do ?

Contact us by phone. Our advisors will take your request by telephone.

What are the costs involved in buying a new property?

The sale of new buildings is taxed differently. It is subject to VAT. The sale price includes : field registration fees. the "construction" part, subject to VAT (21%). Notary fees and costs calculated on the total value must be added.

Consequences of failure to repay my credit

Warning, borrowing money also costs money.

+32(0)65/84.02.03

What are the consequences of failing to repay my loan?

If you do not pay two monthly payments, your lending organization has a legal obligation to cancel your credit contract and request your registration from the National Bank of Belgium. In this case, you will no longer be able to borrow on the credit market until your dispute is resolved.